CN105719141A - Payment method and device - Google Patents
Payment method and device Download PDFInfo
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- CN105719141A CN105719141A CN201610034804.2A CN201610034804A CN105719141A CN 105719141 A CN105719141 A CN 105719141A CN 201610034804 A CN201610034804 A CN 201610034804A CN 105719141 A CN105719141 A CN 105719141A
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- gesture
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
The invention discloses a payment method and a device. The method comprises steps of when receiving a payment command, obtaining a payment gesture of a user; detecting whether there is a target gesture matching the payment gesture in preset gestures; if there is, starting a radio frequency communication module and obtaining information of a payment bill sent by an electronic terminal based on a radio frequency communication protocol via the radio frequency communication module; and obtaining information of a preset payer account and generating payment information according to the information of the payer account and the information of the payment bill. According to the invention, before the radio frequency communication module is started, legal identity of a user is verified via gesture recognition, so safety protection of the information of the payment account of the user can be enhanced and safety and secrecy performance of electronic payment are improved.
Description
Technical field
The invention belongs to mobile terminal and wireless communication technique field, particularly relate to a kind of method of payment and device.
Background technology
High speed development along with mobile terminal Yu wireless communication technology, the function that the intelligent mobile terminals such as mobile phone have gets more and more, the scope of its application is also increasing, in the various functions of mobile phone, the function particularly paid by mails, owing to user is after solid shop/brick and mortar store is consumed, have only to by mobile phone based on NFC (NearFieldCommunication, near-field communication) bank account information of oneself is sent to the payment devices of businessman by technology, reimbursement of expense can be completed, and it is no longer necessary to by paying in cash, decrease the inconvenience caused because carrying buckets of cash, bring great convenience to the life of people.
But safety of payment is also brought challenge by this simultaneously, owing to current E-Payment technology is in order to be user-friendly to, need to bind the bank account information of user and mobile phone in advance, so, once mobile phone is lost or stolen, find people or the robber of mobile phone, directly hold mobile phone and can be carried out consumption.Therefore, existing E-Payment technology is inadequate to the safeguard protection of accounts information, and when mobile phone is lost or be stolen, the bank account of mobile phone bound also exists the risk of stolen brush significantly.
Summary of the invention
The present invention provides a kind of method of payment and device, in order to strengthen the safeguard protection to user's payment account information, improves the safety and crypticity paid by mails.
First aspect present invention provides a kind of method of payment, including: when receiving payment instruction, obtain the payment gesture of user；Detect and whether preset gesture exists the target gesture matched with described payment gesture；If existing, then starting radio-frequency communication module, being obtained the information of the Pay Bill that electric terminal sends by described radio-frequency communication module based on RF communication protocol；Obtain the information of preset payer account, the information according to the information of described payer account Yu described Pay Bill, generate payment information.
In conjunction with first aspect, in the first possible implementation of first aspect, the information of described Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account, described method also includes: obtain the information of payment amount corresponding to described target gesture；The described information according to described payer account and the information of described Pay Bill, generate payment information and include: judge that whether the described amount of money to be paid is less than or equal to described payment amount；If the described amount of money to be paid is less than or equal to described payment amount, then the information according to the information of described payer account Yu described Pay Bill, generate payment information；If the described amount of money to be paid is more than described payment amount, then exporting information, described information is used for pointing out described user this outward drain of fund.
The first in conjunction with first aspect is likely to, in the implementation that the second of first aspect is possible, described method also includes: receives the gesture that described user triggers and arranges instruction, obtains one or more different gesture that described user makes as described preset gesture；Amount configuration operation according to described user, is respectively configured the payment amount of correspondence for each described different gesture.
The second in conjunction with first aspect is likely to, in the third possible implementation of first aspect, the one or more different gesture that the described user of described acquisition makes includes as described preset gesture: if the gesture-type that described gesture arranges instruction sensing is slip gesture, then obtain the one or more different gesture that described user makes on Touch Screen, as described preset gesture；If the gesture-type that described gesture arranges instruction sensing is non-slip gesture, then opens pick-up lens, obtain the one or more different gesture that described user makes before described pick-up lens, as described preset gesture.
The third in conjunction with first aspect is likely to, in the 4th kind of possible implementation of first aspect, the payment gesture of the described user of acquisition includes: if the gesture-type that described payment instruction is pointed to is described slip gesture, then obtain the payment gesture that described user makes on described touch screen；If the gesture-type that described payment instruction is pointed to is described non-slip gesture, then opens described pick-up lens, obtain the payment gesture that described user makes before described pick-up lens.
The first the third possible or first aspect the 4th kind of possibility possible, the second possibility of first aspect, first aspect in conjunction with first aspect, first aspect, in the 5th kind of possible implementation of first aspect, include after whether there is the target gesture matched with described payment gesture in the gesture that described detection is preset: if being absent from, then output identifies error message.
In conjunction with the 5th kind of possibility of first aspect, in the 6th kind of possible implementation of first aspect, described RF communication protocol includes near-field communication NFC protocol.
Second aspect present invention provides a kind of payment mechanism, including: command reception module, it is used for receiving payment instruction；Gesture acquisition module, for when described command reception module receives described payment instruction, obtaining the payment gesture of user；Detection module, for detecting whether there is the target gesture matched with described payment gesture in preset gesture；Data obtaining module, if detecting that for described detection module described preset gesture exists the target gesture matched with described payment gesture, then start radio-frequency communication module, obtained the information of the Pay Bill that electric terminal sends by described radio-frequency communication module based on RF communication protocol；Described data obtaining module, is additionally operable to obtain the information of preset payer account；Generation module, for the information of the information according to described payer account with described Pay Bill, generates payment information.
In conjunction with second aspect, in the first possible implementation of second aspect, the information of described Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account, described data obtaining module, is additionally operable to obtain the information of payment amount corresponding to described target gesture；Described generation module includes: judge submodule, is used for judging that whether the described amount of money to be paid is less than or equal to described payment amount；Generate submodule, if judging that the described amount of money to be paid is less than or equal to described payment amount for described judgement submodule, then the information according to the information of described payer account Yu described Pay Bill, generate payment information；Prompting submodule, if judging that the described amount of money to be paid is more than described payment amount, then export information for described judgement submodule, described information is used for pointing out described user this outward drain of fund.
The first in conjunction with second aspect is likely to, and in the implementation that the second of second aspect is possible, described command reception module, the gesture being additionally operable to receive described user triggering arranges instruction；Described gesture acquisition module, is additionally operable to obtain one or more different gesture that described user makes as described preset gesture；Described device also includes: amount configuration module, configures operation for the amount according to described user, is respectively configured the payment amount of correspondence for each described different gesture.
The second in conjunction with second aspect is likely to, in the third possible implementation of second aspect, described gesture acquisition module, if be additionally operable to described gesture arrange instruction point to gesture-type be slip gesture, then obtain the one or more different gesture that described user makes on Touch Screen, as described preset gesture；Described gesture acquisition module, if be additionally operable to described gesture arrange instruction point to gesture-type be non-slip gesture, then open pick-up lens, obtain the one or more different gesture that described user makes before described pick-up lens, as described preset gesture；Described gesture acquisition module, if the gesture-type being additionally operable to the sensing of described payment instruction is described slip gesture, then obtains the payment gesture that described user makes on described touch screen；Described gesture acquisition module, if the gesture-type being additionally operable to the sensing of described payment instruction is described non-slip gesture, then opens described pick-up lens, obtains the payment gesture that described user makes before described pick-up lens.
In conjunction with second aspect, second aspect the first be likely to, the second of second aspect is likely to or the third of second aspect is likely to, in the 4th kind of possible implementation of second aspect, described device also includes: message output module, if the target gesture being absent from matching with described payment gesture in described preset gesture detected for described detection module, then output identifies error message.
In conjunction with the 4th kind of possibility of second aspect, in the 5th kind of possible implementation of second aspect, described RF communication protocol includes near-field communication NFC protocol.
From the invention described above embodiment, the present invention is by before opening radio communication function, utilize the legal identity of gesture identification checking user, when only there is the target gesture that the payment gesture with the user obtained matches in preset gesture, just can start radio communication function, obtain the information of the Pay Bill that electric terminal sends and the information of preset payer account, the information of the information according to payer account and Pay Bill, generate payment information, thus helping finally to realize electronic payment process, therefore compared to prior art, the present invention can make disabled user cannot arbitrarily open radio communication function and obtain the payment account information of user, thus enhancing the safeguard protection to user's payment account information, improve safety and the crypticity of E-Payment.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, the accompanying drawing used required in embodiment or description of the prior art will be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, under the premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Accompanying drawing 1 is the structured flowchart of a kind of mobile terminal；
Accompanying drawing 2 be first embodiment of the invention provide method of payment realize schematic flow sheet；
Accompanying drawing 3 be second embodiment of the invention provide method of payment realize schematic flow sheet；
Accompanying drawing 4 is the structural representation of the payment mechanism that third embodiment of the invention provides；
Accompanying drawing 5 is the structural representation of the payment mechanism that fourth embodiment of the invention provides.
Detailed description of the invention
For making the goal of the invention of the present invention, feature, the advantage can be more obvious and understandable, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only a part of embodiment of the present invention, and not all embodiments.Based on the embodiment in the present invention, the every other embodiment that those skilled in the art obtain under not making creative work premise, broadly fall into the scope of protection of the invention.
Accompanying drawing 1 illustrates the structured flowchart of a kind of mobile terminal.The method of payment that the embodiment of the present invention provides can be applicable in mobile terminal 10 as shown in Figure 1, and mobile terminal 10 can be, but not limited to include: supports the smart mobile phone of RF communication protocol, panel computer and Intelligent worn device (such as intelligent watch, Intelligent bracelet etc.) etc..
As shown in Figure 1, mobile terminal 10 includes memorizer 101, storage control 102, one or more (only illustrating one in figure) processor 103, Peripheral Interface 104, radio-frequency module 105, key-press module 106, audio-frequency module 107, Touch Screen 108 and photographing module 109.These assemblies pass through the mutual communication of one or more communication bus/holding wire 110.
Being appreciated that the structure shown in accompanying drawing 1 is only signal, the structure of mobile terminal is not caused restriction by it.Mobile terminal 10 may also include and makes a farfetched comparison assembly more or less shown in Fig. 1, or has the configuration different from shown in accompanying drawing 1.Each assembly shown in accompanying drawing 1 can adopt hardware, software or its combination to realize.
Memorizer 101 can be used for storing software program and module, method of payment in the embodiment of the present invention and programmed instruction/module corresponding to device, processor 103 is by running the software program and module being stored in memorizer 101, thus performing the application of various function and data process, in mobile terminal 10, namely realize above-mentioned method of payment.
Memorizer 101 can include high speed random access memory, may also include nonvolatile memory, such as one or more magnetic storage device, flash memory or other non-volatile solid state memories.In some instances, memorizer 101 can farther include the memorizer remotely located relative to processor 103, and these remote memories can be connected to mobile terminal 10 by network.The example of above-mentioned network includes but not limited to the Internet, intranet, LAN, mobile radio communication and combination thereof.The access of memorizer 101 can be carried out by processor 103 and other possible assemblies under the control of storage control 102.
Various input/output devices are coupled to CPU and memorizer 101 by Peripheral Interface 104.Various softwares in processor 103 run memory 101, instruction are to perform the various functions of mobile terminal 10 and to carry out data process.
In certain embodiments, Peripheral Interface 104, processor 103 and storage control 102 can realize in one single chip.In some other example, they can be realized by independent chip respectively.
Radio-frequency module 105 is used for receiving and sending electromagnetic wave, it is achieved electromagnetic wave is changed with the mutual of the signal of telecommunication, thus carrying out communication with communication network or other equipment.Radio-frequency module 105 can include the various existing component for performing these functions, for instance, antenna, RF transceiver, digital signal processor, encryption/deciphering chip, subscriber identity module (SIM) card, memorizer etc..Radio-frequency module 105 can carry out communication with the wireless network of various networks such as the Internet, intranet, preset type or carry out communication by the wireless network of preset type and other equipment.The wireless network of above-mentioned preset type can include cellular telephone networks, WLAN or Metropolitan Area Network (MAN).The wireless network of above-mentioned preset type can use various communication standard, agreement and technology, include, but are not limited to global system for mobile communications (GlobalSystemforMobileCommunication, GSM), enhancement mode mobile communication technology (EnhancedDataGSMEnvironment, EDGE), Wideband CDMA Technology (WidebandCodeDivisionMultipleAccess, W-CDMA), CDMA (CodeDivisionAccess, CDMA), tdma (TimeDivisionMultipleAccess, TDMA), bluetooth, adopting wireless fidelity technology (Wireless-Fidelity, WiFi) (such as IEEE-USA standard IEEE 802.11a, IEEE802.11b, IEEE802.11g and/or IEEE802.11n), the networking telephone (VoiceoverInternetProtocal, VoIP), worldwide interoperability for microwave accesses (WorldwideInteroperabilityforMicrowaveAccess, Wi-Max), other are used for mail, the agreement of instant messaging and short message, and any other suitable communications protocol, as: RF identification (RadioFrequencyIdentification, RFID), NFC, zigbee, wireless interconnected (RadioFrequencyCommunicationandNetwork, RFC) etc..
Key-press module 106 provides user to carry out the interface inputted to mobile terminal, and user can pass through to press different buttons so that mobile terminal 10 performs different functions.
Audio-frequency module 107 provides a user with audio interface, and it can include one or more mike, one or more speaker and voicefrequency circuit.Voicefrequency circuit receives voice data from Peripheral Interface 104, and voice data is converted to electrical information, by electrical information transmission to speaker.Electrical information is converted to the sound wave that human ear can be heard by speaker.Voicefrequency circuit also receives electrical information from mike, converts electrical signals to voice data, and by data transmission in network telephony to Peripheral Interface 104 to be further processed.Voice data can obtain from memorizer 101 or by radio-frequency module 105.Additionally, voice data can also store to memorizer 101 or is transmitted by radio-frequency module 105.In some instances, audio-frequency module 107 may also include an earphone and broadcasts hole, for providing audio interface to earphone or other equipment.
Touch Screen 108 provides an output and inputting interface between mobile terminal and user simultaneously.Specifically, Touch Screen 108 displays to the user that video frequency output, and the content of these video frequency output can include word, figure, video and combination in any thereof.Some output results correspond to some user interface object.Touch Screen 108 also receives the input of user, for instance the gesture operations such as the click of user, slip, in order to the input of these users is responded by user interface object.The technology of detection user's input can be based on resistance-type, condenser type or other arbitrarily possible touch control detection technology.The instantiation of Touch Screen 108 includes, but are not limited to liquid crystal display or light emitting polymer displays.
Photographing module 109, is used for the image before obtaining pick-up lens or image, may be disposed at the front of mobile terminal (top of Touch Screen) and/or the back side.The instantiation of photographing module 109 includes various types of photographic head.
Refer to accompanying drawing 2, the method for payment that accompanying drawing 2 provides for first embodiment of the invention realize schematic flow sheet.The payment method that the present embodiment provides can be applicable to, in mobile terminal 10 as shown in Figure 1, mainly comprise the steps that
S201, when receiving payment instruction, obtain user payment gesture；
The payment gesture of user can be the slip gesture that user makes on Touch Screen or the action gesture made before pick-up lens.When receiving the payment instruction that user is triggered by the preset button clicking in payment interface, according to the gesture-type that this payment instruction is pointed to, obtain the payment gesture of user corresponding to this gesture-type.Specifically, if the gesture-type that this payment instruction is pointed to is slip gesture, then obtain the payment gesture that user makes on touch screen；If the gesture-type that this payment instruction is pointed to is non-slip gesture, then open pick-up lens, obtain the payment gesture that user makes before pick-up lens.
S202, detect and whether preset gesture exists and pays the target gesture that matches of gesture；
Extract the feature of the payment gesture of user and the feature of preset gesture, whether each feature that comparison pays gesture is consistent with each feature of preset gesture, according to comparison result, obtain the similarity paid between gesture and preset gesture, namely pay the feature consistent with the character pair in preset gesture in all features of gesture and account for the ratio of all features paying gesture, if this similarity is more than or equal to preset numerical value, then judge preset gesture exists and pays the target gesture that gesture matches.
If S203 exists, then start radio-frequency communication module, obtained the information of the Pay Bill that electric terminal sends by radio-frequency communication module based on RF communication protocol；
If preset gesture existing and paying the target gesture that gesture matches, then determine that user passes through authentication, start radio-frequency communication module to open radio communication function, then pass through this radio-frequency communication module and obtain the information of the Pay Bill that electric terminal sends based on RF communication protocol.
RF communication protocol is a kind of short-range communication protocols, can make can carry out point-to-point data transmission between two terminal units in short distance.RF communication protocol can be, but not limited to include: RFID, NFC, bluetooth, zigbee, RFC etc..It is preferably NFC.
Electric terminal be businessman hold radio-frequency communication module is installed, the equipment of information of Pay Bill can be sent to other-end equipment based on RF communication protocol.
The information of Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account.Further, the information of Pay Bill also includes order number.Wherein the information of beneficiary account can be, but not limited to include: the information such as the financial account (such as Bank Account Number, Alipay account etc.) of beneficiary or beneficiary account holder.
S204, obtain the information of preset payer account, the information according to the information of payer account Yu Pay Bill, generate payment information.
Presetting the information of the payer account of user's binding in mobile terminal, the information of this payer account can be, but not limited to include: the information such as the financial account (such as the Bank Account Number of payer, Alipay account etc.) of payer, payment cipher.
Obtain the information of the payer account of user's binding, the information of the payer account according to acquisition and the information of Pay Bill, generate payment information, this payment information comprises: the financial account of beneficiary or beneficiary account holder, the amount of money to be paid, the financial account of payer, the information such as payment cipher.
The method of payment that the embodiment of the present invention provides, by before opening radio communication function, utilize the legal identity of gesture identification checking user, when only there is the target gesture that the payment gesture with the user obtained matches in preset gesture, just can start radio communication function, obtain the information of the Pay Bill that electric terminal sends and the information of preset payer account, the information of the information according to payer account and Pay Bill, generate payment information, thus helping finally to realize electronic payment process, therefore compared to prior art, the present invention can make disabled user cannot arbitrarily open radio communication function and obtain the payment account information of user, thus enhancing the safeguard protection to user's payment account information, improve safety and the crypticity of E-Payment.
Refer to accompanying drawing 3, the method for payment that accompanying drawing 3 provides for second embodiment of the invention realize schematic flow sheet, the present embodiment provide payment method can be applicable to, in mobile terminal 10 as shown in Figure 1, mainly comprise the steps that
The gesture that S301, reception user trigger arranges instruction, and the one or more different gesture that acquisition user makes is as preset gesture；
The gesture of user can be the slip gesture that gesture operation that user carries out on touch screen is corresponding, it is also possible to be the gesture made before pick-up lens of user.
Specifically, receive user by clicking the gesture of the settings button triggering in screen and instruction is set, the gesture-type that instruction is pointed to is set according to this gesture, according to the acquisition mode corresponding with this gesture-type, obtain the one or more different gesture that user makes.
If this gesture-type is slip gesture, then the one or more different gesture that acquisition user makes on Touch Screen is as preset gesture.Further, can showing that preset gesture arranges interface, detection user arranges the one or more gesture operations on interface in this gesture, obtains user and arranges the one or more different gesture made on interface as preset gesture in this gesture.
If this gesture-type is non-slip gesture, then opening pick-up lens, the one or more different gesture that acquisition user makes before pick-up lens is as preset gesture.
Further, if user does not select gesture-type when triggering gesture and arranging instruction, then acquiescence gesture-type is slip gesture.
S302, configure operation according to the amount of user, be respectively configured the payment amount of correspondence for variant gesture；
Paying amount can by User Defined.Specifically, obtain the numerical value of user's input, according to this numerical value, configure the concrete value of payment amount corresponding to each gesture, make the payment amount that different gestures is corresponding different, such as first gesture corresponding first pays amount (small amount), second gesture corresponding second pays amount (middle volume), 3rd gesture the corresponding 3rd pays amount (wholesale), thus the needs of the mobile payment of the different amount such as small amount, middle volume, wholesale can be met simultaneously, improve the motility paying management by mails.Meanwhile, the gesture of preset multiple corresponding different amounts, it is possible to increase the complexity that gesture cracks, improve safety of payment further.
Or, only allow a user to specify the corresponding relation between different gestures and different amounts, the assigned operation according to user, between gesture and amount that user specifies, set up relation one to one.
It should be noted that the execution sequence of step S301 and S302 is not defined by the present embodiment.In actual applications, the gesture of user according to the operation of user, can be obtained one by one and configure the payment amount of correspondence, it is also possible to once obtaining all gestures of user, be then respectively configured the payment amount of correspondence again for each gesture.
S303, when receiving payment instruction, obtain user payment gesture；
Specifically, when receiving the payment instruction that user triggers, if the gesture-type that this payment instruction is pointed to is slip gesture, then detection user's gesture operation on touch screen, obtain the payment gesture that user makes on touch screen；If the gesture-type that this payment instruction is pointed to is non-slip gesture, then open pick-up lens, obtain the payment gesture that user makes before pick-up lens.
Further, if user does not select gesture-type when triggering payment instruction, then acquiescence gesture-type is slip gesture.
S304, detect and whether preset gesture exists and pays the target gesture that matches of gesture；
Extract the feature of the payment gesture detected and the feature of each preset gesture, whether each feature of comparison payment gesture is consistent with each feature of each preset gesture one by one, according to comparison result, obtain the similarity paid between gesture and each preset gesture respectively, if having a similarity more than or equal to preset numerical value, then judging exist in preset gesture and pay the target gesture that gesture matches, user passes through authentication.Such as: preset numerical value is 95%, assume that the feature having 99% in all features of payment gesture is consistent with the feature of preset gesture 2, namely the similarity paid between gesture and preset gesture 2 is 99%, then it is determined that the presence of the target gesture matched with this payment gesture, preset gesture 2 i.e. target gesture.
If S305 is absent from, then output identifies error message；
If the similarity paid between gesture and each preset gesture is respectively less than preset numerical value, then judging to be absent from preset gesture and pay the target gesture that gesture matches, user does not pass through authentication, and now output identifies error message, and terminates delivery operation.
If S306 exists, then starting radio-frequency communication module, obtained the information of the Pay Bill that electric terminal sends by radio-frequency communication module based on NFC protocol, the information of Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account；
If preset gesture existing and paying the target gesture that gesture matches, then start radio-frequency communication module, obtained the information of the Pay Bill that electric terminal sends based on RF communication protocol by radio-frequency communication module, the information of Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account.Further, the information of Pay Bill also includes order number.Wherein the information of beneficiary account can be, but not limited to include: the information such as the financial account (such as Bank Account Number, Alipay account etc.) of beneficiary or beneficiary account holder.
Electric terminal be businessman hold NFC radio-frequency module is installed, the equipment of information of Pay Bill can be sent to other-end equipment based on NFC protocol.
The information of the payment amount that S307, the information obtaining preset payer account and target gesture are corresponding；
Presetting the information of the payer account of user's binding in mobile terminal, the information of this payer account can be, but not limited to include: the information such as the financial account (such as the Bank Account Number of payer, Alipay account etc.) of payer, payment cipher.
S308, judge that the amount of money to be paid is whether less than or equal to paying amount；
Information according to payments amount corresponding to the information of Pay Bill obtained and target gesture, it is judged that whether the amount of money to be paid is less than or equal to payment amount.
If the S309 amount of money to be paid is less than or equal to paying amount, the then information according to the information of payer account Yu Pay Bill, generate payment information；
If the amount of money to be paid is less than or equal to paying amount, illustrate that the amount of money of this payment is not less than the restriction paying amount, the then information according to the information of the payer account obtained with Pay Bill, generate payment information, this payment information comprises: the financial account of beneficiary or beneficiary account holder, the amount of money to be paid, the financial account of payer, the information such as payment cipher.
Further, after generating payment information, the payment information of generation is sent to payment platform, and indicates payment platform according to this payment information, numerical value corresponding for the amount of money to be paid is transferred to beneficiary account from payer account.
If the S310 amount of money to be paid is more than paying amount, then exporting information, information is used for pointing out user this outward drain of fund.
If the amount of money to be paid is more than paying amount, illustrates that the amount of money of this payment has exceeded the restriction paying amount, export information, to point out user this outward drain of fund.Further, information is additionally operable to prompt the user whether to continue to pay, and receives the continuation payment instruction that user triggers according to this information, generates payment information.
But, illegally obtain some gesture of user owing to this outward drain of fund is also likely to be other people, but do not know what the payment amount of correspondence caused, so for the safety strengthening payment, it is possible to after output information, terminate delivery operation.
The method of payment that the embodiment of the present invention provides, by before opening radio communication function, utilize the legal identity of gesture identification checking user, when only there is the target gesture that the payment gesture with the user obtained matches in preset gesture, just can start radio communication function, obtain the information of the Pay Bill that electric terminal sends and the information of preset payer account, the information of the information according to payer account and Pay Bill, generate payment information, thus helping finally to realize electronic payment process, therefore compared to prior art, the present invention can make disabled user cannot arbitrarily open radio communication function and obtain the payment account information of user, thus enhancing the safeguard protection to user's payment account information, improve safety and the crypticity of E-Payment.Further, by preset multiple different gestures, different payment amounts is limited, the demand that different amount pays can be met simultaneously, improve the motility paying management by mails.
Referring to accompanying drawing 4, accompanying drawing 4 is the structural representation of the payment mechanism that third embodiment of the invention provides, and for the ease of illustrating, illustrate only the part relevant to the embodiment of the present invention.The payment mechanism of accompanying drawing 4 example can be the executive agent of the method for payment that previous embodiment provides, and it can be a functional module in mobile terminal or mobile terminal.The payment mechanism of accompanying drawing 4 example, specifically includes that command reception module 401, gesture acquisition module 402, detection module 403, data obtaining module 404 and generation module 405.Each functional module describes in detail as follows:
Command reception module 401, is used for receiving payment instruction；
Gesture acquisition module 402, for when command reception module 401 receives this payment instruction, obtaining the payment gesture of user；
Detection module 403, for detecting whether there is the target gesture matched with this payment gesture in preset gesture；
Data obtaining module 404, if detecting that for detection module 403 this preset gesture exists the target gesture matched with this payment gesture, then start radio-frequency communication module, obtained the information of the Pay Bill that electric terminal sends by this radio-frequency communication module based on RF communication protocol；
Data obtaining module 404, is additionally operable to obtain the information of preset payer account；
Generation module 405, for the information of the information according to this payer account with this Pay Bill, generates payment information.
Specifically, the payment gesture of user can be the slip gesture that user makes on Touch Screen or the action gesture made before pick-up lens.First, when command reception module 401 receives the payment instruction that user is triggered by the preset button clicking in payment interface, by the gesture-type that gesture acquisition module 402 points to according to this payment instruction, obtain the payment gesture of user corresponding to this gesture-type, if the gesture-type that this payment instruction is pointed to is slip gesture, then obtain the payment gesture that user makes on touch screen, if the gesture-type that this payment instruction is pointed to is non-slip gesture, then open pick-up lens, obtain the payment gesture that user makes before pick-up lens.
Secondly, detection module 403 extracts the feature of the payment gesture of user and the feature of preset gesture, whether each feature that comparison pays gesture is consistent with each feature of preset gesture, according to comparison result, obtain the similarity paid between gesture and preset gesture, namely pay the feature consistent with the character pair in preset gesture in all features of gesture and account for the ratio of all features paying gesture, if this similarity is more than or equal to preset numerical value, then judge preset gesture exists and pays the target hands gesture that gesture matches, determine that user passes through authentication, then data obtaining module 404 starts radio-frequency communication module to open radio communication function, then pass through this radio-frequency communication module and obtain the information of the Pay Bill that electric terminal sends based on RF communication protocol.
Wherein, RF communication protocol is a kind of short-range communication protocols, can make can carry out point-to-point data transmission between two terminal units in short distance.RF communication protocol can be, but not limited to include: RFID, NFC, bluetooth, zigbee, RFC etc..It is preferably NFC.Electric terminal be businessman hold radio-frequency communication module is installed, the equipment of information of Pay Bill can be sent to other-end equipment based on RF communication protocol.The information of Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account.Further, the information of Pay Bill also includes order number.Wherein the information of beneficiary account can be, but not limited to include: the information such as the financial account (such as Bank Account Number, Alipay account etc.) of beneficiary or beneficiary account holder.
In addition, presetting the information of the payer account of user's binding in mobile terminal, the information of this payer account can be, but not limited to include: the information such as the financial account (such as the Bank Account Number of payer, Alipay account etc.) of payer, payment cipher.
Data obtaining module 404 is while obtaining the information of the Pay Bill that electric terminal sends, also obtain the information of the payer account of user's binding, then pass through the information of the generation module 405 information according to the payer account obtained and Pay Bill, generate payment information, this payment information comprises: the financial account of beneficiary or beneficiary account holder, the amount of money to be paid, the financial account of payer, the information such as payment cipher.
It should be noted that, in the embodiment of the payment mechanism of the figures above 4 example, the division of each functional module is merely illustrative of, can be as required in practical application, the convenient consideration of the configuration requirement of such as corresponding hardware or the realization of software, and above-mentioned functions distribution is completed by different functional modules, it is divided into different functional modules by the internal structure of this device, to complete all or part of function described above.And, in practical application, corresponding functional module in the present embodiment can be realized by corresponding hardware, it is also possible to is performed corresponding software by corresponding hardware and completes (each embodiment that this specification provides all can apply foregoing description principle, below repeats no more).
Payment mechanism from above-mentioned accompanying drawing 4 example, by before opening radio communication function, utilize the legal identity of gesture identification checking user, when only there is the target gesture that the payment gesture with the user obtained matches in preset gesture, just can start radio communication function, obtain the information of the Pay Bill that electric terminal sends and the information of preset payer account, the information of the information according to payer account and Pay Bill, generate payment information, thus helping finally to realize electronic payment process, therefore compared to prior art, the present invention can make disabled user cannot arbitrarily open radio communication function and obtain the payment account information of user, thus enhancing the safeguard protection to user's payment account information, improve safety and the crypticity of E-Payment.
Referring to accompanying drawing 5, accompanying drawing 5 is the structural representation of the payment mechanism that fourth embodiment of the invention provides, and for the ease of illustrating, illustrate only the part relevant to the embodiment of the present invention.The payment mechanism of accompanying drawing 5 example can be the executive agent of the method for payment that previous embodiment provides, and it can be a functional module in mobile terminal or mobile terminal.On the basis of the payment mechanism of accompanying drawing 4 example, with the 3rd embodiment shown in accompanying drawing 4 the difference is that, in the present embodiment, payment mechanism also includes further: amount configuration module 501 and message output module 502, and generation module 405 farther includes: judges submodule 4051, generate submodule 4052 and prompting submodule 4053.Each functional module describes in detail as follows:
Data obtaining module 404, is additionally operable to obtain the information of payment amount corresponding to this target gesture.
Judge submodule 4051, be used for judging that whether this amount of money to be paid is less than or equal to this payment amount.
Generate submodule 4052, if for judging that submodule 4051 judges that this amount of money to be paid is less than or equal to this payment amount, then the information according to the information of this payer account Yu this Pay Bill, generate payment information.
Prompting submodule 4053, if for judging that submodule 4051 judges that this amount of money to be paid is more than this payment amount, then export information, this information is used for pointing out this user this outward drain of fund.
Command reception module 401, the gesture being additionally operable to receive this user triggering arranges instruction.
Gesture acquisition module 402, is additionally operable to obtain one or more different gesture that this user makes as this preset gesture.
Amount configuration module 501, configures operation for the amount according to this user, is respectively configured the payment amount of correspondence for respectively this different gesture.
Gesture acquisition module 402, if be additionally operable to this gesture arrange instruction point to gesture-type be slip gesture, then obtain the one or more different gesture that this user makes on Touch Screen, as the gesture that this is preset.
Gesture acquisition module 402, if be additionally operable to this gesture arrange instruction point to gesture-type be non-slip gesture, then open pick-up lens, obtain the one or more different gesture that this user makes before this pick-up lens, as the gesture that this is preset.
Gesture acquisition module 402, if the gesture-type being additionally operable to the sensing of this payment instruction is this slip gesture, then obtains the payment gesture that this user makes on this touch screen.
Gesture acquisition module 402, if the gesture-type being additionally operable to the sensing of this payment instruction is this non-slip gesture, then opens this pick-up lens, obtains the payment gesture that this user makes before this pick-up lens.
Message output module 502, if detecting, for this detection module, the target gesture being absent from matching with this payment gesture in this preset gesture, then output identifies error message.
Specifically, the gesture of user can be the slip gesture that gesture operation that user carries out on touch screen is corresponding, it is also possible to be the gesture made before pick-up lens of user.First, command reception module 401 receives user and arranges instruction by clicking the gesture of the settings button triggering in screen, by gesture acquisition module 402, the gesture-type that instruction is pointed to is set according to this gesture, according to the acquisition mode corresponding with this gesture-type, obtain the one or more different gesture that user makes.If this gesture-type is slip gesture, then gesture acquisition module 402 obtains one or more different gesture that user makes on Touch Screen as preset gesture.Further, gesture acquisition module 402 can first show that preset gesture arranges interface, then detection user arranges the one or more gesture operations on interface in this gesture, obtains user and arranges the one or more different gesture made on interface as preset gesture in this gesture.If this gesture-type is non-slip gesture, then gesture acquisition module 402 opens pick-up lens, and the one or more different gesture that acquisition user makes before pick-up lens is as preset gesture.Further, if user does not select gesture-type when triggering gesture and arranging instruction, then acquiescence gesture-type is slip gesture.
Secondly, amount configuration module 501 configures operation according to the amount of user, is respectively configured the payment amount of correspondence for variant gesture.Wherein paying amount can by User Defined.Amount configuration module 501 obtains the numerical value of user's input, according to this numerical value, configure the concrete value of payment amount corresponding to each gesture, make the payment amount that different gestures is corresponding different, such as first gesture corresponding first pays amount (small amount), second gesture corresponding second pays amount (middle volume), 3rd gesture the corresponding 3rd pays amount (wholesale), thus the needs of the mobile payment of the different amount such as small amount, middle volume, wholesale can be met simultaneously, improve the motility paying management by mails.Meanwhile, the gesture of preset multiple corresponding different amounts, it is possible to increase the complexity that gesture cracks, improve safety of payment further.Or, it is possible to only allow a user to specify the corresponding relation between different gestures and different amounts, the amount configuration module 501 assigned operation according to user, between gesture and amount that user specifies, set up relation one to one.
Again, when command reception module 401 receives the payment instruction that user is triggered by the preset button clicking in payment interface, by the gesture-type that gesture acquisition module 402 points to according to this payment instruction, obtain the payment gesture of user corresponding to this gesture-type, if the gesture-type that this payment instruction is pointed to is slip gesture, then obtain the payment gesture that user makes on touch screen, if the gesture-type that this payment instruction is pointed to is non-slip gesture, then open pick-up lens, obtain the payment gesture that user makes before pick-up lens.Further, if user does not select gesture-type when triggering payment instruction, then acquiescence gesture-type is slip gesture.
Then, detection module 403 extracts the feature of the payment gesture detected and the feature of each preset gesture, whether each feature of comparison payment gesture is consistent with each feature of each preset gesture one by one, according to comparison result, obtain the similarity paid between gesture and each preset gesture respectively, if having a similarity more than or equal to preset numerical value, then judging exist in preset gesture and pay the target gesture that gesture matches, user passes through authentication.Such as: preset numerical value is 95%, assume that the feature having 99% in all features of payment gesture is consistent with the feature of preset gesture 2, namely the similarity paid between gesture and preset gesture 2 is 99%, then it is determined that the presence of the target gesture matched with this payment gesture, preset gesture 2 i.e. target gesture.Otherwise, if the similarity paid between gesture and each preset gesture is respectively less than preset numerical value, then judge preset gesture to be absent from and pays the target gesture that gesture matches, user does not pass through authentication, identify error message now by message output module 502 output, and terminate delivery operation.
If preset gesture existing and paying the target gesture that gesture matches, then start radio-frequency communication module by data obtaining module 404, obtained the information of the Pay Bill that electric terminal sends by radio-frequency communication module based on RF communication protocol.Wherein, RF communication protocol is preferably NFC protocol.The information of Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account.Further, the information of Pay Bill also includes order number.Wherein the information of beneficiary account can be, but not limited to include: the information such as the financial account (such as Bank Account Number, Alipay account etc.) of beneficiary or beneficiary account holder.Electric terminal be businessman hold NFC radio-frequency module is installed, the equipment of information of Pay Bill can be sent to other-end equipment based on NFC protocol.
Understandably, presetting the information of the payer account of user's binding in mobile terminal, the information of this payer account can be, but not limited to include: the information such as the financial account (such as the Bank Account Number of payer, Alipay account etc.) of payer, payment cipher.Data obtaining module 404, while obtaining the information of the Pay Bill that electric terminal sends, also obtains the information of preset payer account and the information of payment amount corresponding to target gesture.Then pass through and judge that submodule 4051 is according to the information of the Pay Bill obtained and the information paying amount, judge that whether the amount of money to be paid is less than or equal to paying amount, if the amount of money to be paid is less than or equal to paying amount, then by generating the information of the submodule 4052 information according to payer account and Pay Bill, generate payment information.This payment information comprises: the financial account of beneficiary or beneficiary account holder, the amount of money to be paid, the financial account of payer, the information such as payment cipher.Further, after generating payment information, generate submodule 4052 and the payment information of generation is sent to payment platform, and indicate payment platform according to this payment information, numerical value corresponding for the amount of money to be paid is transferred to beneficiary account from payer account.Otherwise, if the amount of money to be paid is more than paying amount, then exporting information by prompting submodule 4053, this information is used for pointing out user this outward drain of fund.
Further, information is additionally operable to prompt the user whether to continue to pay, and command reception module 401 receives the continuation payment instruction that user triggers according to this information, generates submodule 4052 by generating payment information.
Payment mechanism from above-mentioned accompanying drawing 5 example, by before opening radio communication function, utilize the legal identity of gesture identification checking user, when only there is the target gesture that the payment gesture with the user obtained matches in preset gesture, just can start radio communication function, obtain the information of the Pay Bill that electric terminal sends and the information of preset payer account, the information of the information according to payer account and Pay Bill, generate payment information, thus helping finally to realize electronic payment process, therefore compared to prior art, the present invention can make disabled user cannot arbitrarily open radio communication function and obtain the payment account information of user, thus enhancing the safeguard protection to user's payment account information, improve safety and the crypticity of E-Payment.Further, by preset multiple different gestures, different payment amounts is limited, the demand that different amount pays can be met simultaneously, improve the motility paying management by mails.
In several embodiments provided herein, it should be understood that disclosed apparatus and method, it is possible to realize by another way.Such as, device embodiment described above is merely schematic, such as, the division of described module, being only a kind of logic function to divide, actual can have other dividing mode when realizing, for instance multiple modules or assembly can in conjunction with or be desirably integrated into another system, or some features can ignore, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be through INDIRECT COUPLING or the communication connection of some interfaces, device or module, it is possible to be electrical, machinery or other form.
The described module illustrated as separating component can be or may not be physically separate, and the parts shown as module can be or may not be physical module, namely may be located at a place, or can also be distributed on multiple mixed-media network modules mixed-media.Some or all of module therein can be selected according to the actual needs to realize the purpose of the present embodiment scheme.
It addition, each functional module in each embodiment of the present invention can be integrated in a processing module, it is also possible to be that modules is individually physically present, it is also possible to two or more modules are integrated in a module.Above-mentioned integrated module both can adopt the form of hardware to realize, it would however also be possible to employ the form of software function module realizes.
If described integrated module is using the form realization of software function module and as independent production marketing or use, it is possible to be stored in a computer read/write memory medium.Based on such understanding, part or all or part of of this technical scheme that prior art is contributed by technical scheme substantially in other words can embody with the form of software product, this computer software product is stored in a storage medium, including some instructions with so that a computer equipment (can be personal computer, server, or the network equipment etc.) perform all or part of step of method described in each embodiment of the present invention.And aforesaid storage medium includes: USB flash disk, portable hard drive, read only memory (ROM, Read-OnlyMemory), the various media that can store program code such as random access memory (RAM, RandomAccessMemory), magnetic disc or CD.
It should be noted that, for aforesaid each embodiment of the method, in order to simplicity describes, therefore it is all expressed as a series of combination of actions, but those skilled in the art should know, the present invention is not by the restriction of described sequence of movement, because according to the present invention, some step can adopt other order or carry out simultaneously.Secondly, those skilled in the art also should know, it might not be all necessary to the present invention that embodiment described in this description belongs to preferred embodiment, involved action and module.
In the above-described embodiments, the description of each embodiment is all emphasized particularly on different fields, certain embodiment there is no the part described in detail, it is possible to referring to the associated description of other embodiments.
It it is more than the description to method of payment provided by the present invention and device, for those skilled in the art, according to the thought of the embodiment of the present invention, all will change in specific embodiments and applications, to sum up, this specification content should not be construed as limitation of the present invention.
Claims (13)
1. a method of payment, it is characterised in that described method includes:
When receiving payment instruction, obtain the payment gesture of user；
Detect and whether preset gesture exists the target gesture matched with described payment gesture；
If existing, then starting radio-frequency communication module, being obtained the information of the Pay Bill that electric terminal sends by described radio-frequency communication module based on RF communication protocol；
Obtain the information of preset payer account, the information according to the information of described payer account Yu described Pay Bill, generate payment information.
2. method according to claim 1, it is characterised in that the information of described Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account, described method also includes:
Obtain the information of payment amount corresponding to described target gesture；
The described information according to described payer account and the information of described Pay Bill, generate payment information and include:
Judge that whether the described amount of money to be paid is less than or equal to described payment amount；
If the described amount of money to be paid is less than or equal to described payment amount, then the information according to the information of described payer account Yu described Pay Bill, generate payment information；
If the described amount of money to be paid is more than described payment amount, then exporting information, described information is used for pointing out described user this outward drain of fund.
3. method according to claim 2, it is characterised in that described method also includes:
Receive the gesture that described user triggers and instruction is set, obtain one or more different gesture that described user makes as described preset gesture；
Amount configuration operation according to described user, is respectively configured the payment amount of correspondence for each described different gesture.
4. method according to claim 3, it is characterised in that the one or more different gesture that the described user of described acquisition makes includes as described preset gesture:
If the gesture-type that described gesture arranges instruction sensing is slip gesture, then obtain the one or more different gesture that described user makes on Touch Screen, as described preset gesture；
If the gesture-type that described gesture arranges instruction sensing is non-slip gesture, then opens pick-up lens, obtain the one or more different gesture that described user makes before described pick-up lens, as described preset gesture.
5. method according to claim 4, it is characterised in that the payment gesture of described acquisition user includes:
If the gesture-type that described payment instruction is pointed to is described slip gesture, then obtain the payment gesture that described user makes on described touch screen；
If the gesture-type that described payment instruction is pointed to is described non-slip gesture, then opens described pick-up lens, obtain the payment gesture that described user makes before described pick-up lens.
6. the method according to claim 1 to 5 any one, it is characterised in that include after whether there is the target gesture matched with described payment gesture in the gesture that described detection is preset:
If being absent from, then output identifies error message.
7. method according to claim 6, it is characterised in that described RF communication protocol includes near-field communication NFC protocol.
8. a payment mechanism, it is characterised in that described device includes:
Command reception module, is used for receiving payment instruction；
Gesture acquisition module, for when described command reception module receives described payment instruction, obtaining the payment gesture of user；
Detection module, for detecting whether there is the target gesture matched with described payment gesture in preset gesture；
Data obtaining module, if detecting that for described detection module described preset gesture exists the target gesture matched with described payment gesture, then start radio-frequency communication module, obtained the information of the Pay Bill that electric terminal sends by described radio-frequency communication module based on RF communication protocol；
Described data obtaining module, is additionally operable to obtain the information of preset payer account；
Generation module, for the information of the information according to described payer account with described Pay Bill, generates payment information.
9. device according to claim 8, it is characterised in that the information of described Pay Bill includes: the information of the information of the amount of money to be paid and beneficiary account, described data obtaining module, is additionally operable to obtain the information of payment amount corresponding to described target gesture；
Described generation module includes:
Judge submodule, be used for judging that whether the described amount of money to be paid is less than or equal to described payment amount；
Generate submodule, if judging that the described amount of money to be paid is less than or equal to described payment amount for described judgement submodule, then the information according to the information of described payer account Yu described Pay Bill, generate payment information；
Prompting submodule, if judging that the described amount of money to be paid is more than described payment amount, then export information for described judgement submodule, described information is used for pointing out described user this outward drain of fund.
10. device according to claim 9, it is characterised in that
Described command reception module, the gesture being additionally operable to receive described user triggering arranges instruction；
Described gesture acquisition module, is additionally operable to obtain one or more different gesture that described user makes as described preset gesture；
Described device also includes:
Amount configuration module, configures operation for the amount according to described user, is respectively configured the payment amount of correspondence for each described different gesture.
11. device according to claim 10, it is characterised in that
Described gesture acquisition module, if be additionally operable to described gesture arrange instruction point to gesture-type be slip gesture, then obtain the one or more different gesture that described user makes on Touch Screen, as described preset gesture；
Described gesture acquisition module, if be additionally operable to described gesture arrange instruction point to gesture-type be non-slip gesture, then open pick-up lens, obtain the one or more different gesture that described user makes before described pick-up lens, as described preset gesture；
Described gesture acquisition module, if the gesture-type being additionally operable to the sensing of described payment instruction is described slip gesture, then obtains the payment gesture that described user makes on described touch screen；
Described gesture acquisition module, if the gesture-type being additionally operable to the sensing of described payment instruction is described non-slip gesture, then opens described pick-up lens, obtains the payment gesture that described user makes before described pick-up lens.
12. according to Claim 8 to the device described in 11 any one, it is characterised in that described device also includes:
Message output module, if detecting, for described detection module, the target gesture being absent from matching with described payment gesture in described preset gesture, then output identifies error message.
13. device according to claim 12, it is characterised in that described RF communication protocol includes near-field communication NFC protocol.
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Application publication date: 20160629 |